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Liberty Mutual Car Insurance Review(Nov 2024)
Liberty Mutual Car Insurance Review
(Nov 2024)
In 2023, Liberty Mutual has received a respectable ranking for its car insurance services, as determined by Jerry's research team through our analysis of hundreds of customer reviews.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- Comprehensive Liberty Mutual Car Insurance Review
- So, is Liberty Mutual a good insurance company?
- Liberty Mutual car insurance reviews
- Liberty Mutual pros and cons
- Is Liberty Mutual the right insurance company for you?
- Is Liberty Mutual car insurance expensive?
- Will Liberty Mutual raise your rates?
- Does Liberty Mutual resolve claims fast?
- Does Liberty Mutual have good customer service?
- Liberty Mutual car insurance discounts
- Liberty Mutual coverage options
- Liberty Mutual’s additional tools and services
- FAQs
- Read all Liberty Mutual car insurance reviews
- Methodology
- Meet Our Experts
Load full table of contents
Comprehensive Liberty Mutual Car Insurance Review
Liberty Mutual is a moderately well-ranked car insurance company in 2023, based on the hundreds of customer reviews collected by Jerry’s research team.
Here’s a breakdown of how our verified Liberty Mutual policyholders ranked Liberty Mutual:
3.5
52 Reviews
5 Stars
15.38%
4 Stars
40.38%
3 Stars
30.77%
2 Stars
9.62%
1 Star
3.85%
So, is Liberty Mutual a good insurance company?
Yes, Liberty Mutual is a good insurance company overall.
We collected nearly 400 reviews from real Liberty Mutual customers. In those reviews, 60% of customers report positive experiences with Liberty Mutual, while 24% are negative.
That said, the national industry average for positive reviews is 64%, meaning Liberty Mutual falls a bit behind.
The good: Positive reviews focus on the variety of insurance discounts and the online portal. Many Liberty Mutual policyholders report:
- A helpful and easy-to-use app
Jerry asked Liberty Mutual customers to rate the company based on its affordability, claims process, customer service, and renewal procedure.
Below, check out how Liberty Mutual’s ratings measure up against the national average:
| Criteria | Libertymutual's Rating | Industry Average |
|---|---|---|
Overall | 3.6 | 4.1 |
Cost / Price | 3.1 | 3.8 |
Claim Experience | 3.3 | 3.5 |
Customer Service | 3.7 | 4 |
Renewal Experience | 3.7 | 4 |
As part of our evaluation process and in addition to our own survey data, we felt it was important to see how some of the nation’s top rating agencies graded the company. Here’s how some of the top rating agencies rank Liberty Mutual:
Critera | Liberty Mutual | Score Out Of |
|---|---|---|
BBB Rating | A+ | A+ |
NAIC Rating | 2.22 | 5 |
Clearsurance | 3.96 | 6 |
A.M. Best Rating | A | A++ |
IOS App Store Rating | 4.8 | 5 |
Google Play Store Rating | 4.6 | 5 |
Please note* that a greater NAIC score indicates increased risk.
Liberty Mutual car insurance reviews
We didn’t only ask real insurance policyholders to rate Liberty Mutual by the numbers—we also wanted to hear what they had to say! Take a look at some real reviews from Liberty Mutual insurance policy customers below:
Liberty Mutual pros and cons
Here are the top pros and cons of a car insurance policy with Liberty Mutual, based on our national Liberty Mutual auto insurance review and third-party ratings:
ProsA wide range of insurance discounts and products
An excellent website and mobile app
Low insurance rates
ConsPoor communication
Many drivers report unexpected rate increases
Is Liberty Mutual the right insurance company for you?
Liberty Mutual is generally a good choice for:
- Drivers looking for an insurance provider that offers a wide range of products, add-ons, and discounts
- Drivers who like being able to handle all of their insurance needs via an app or website
- Drivers looking for full coverage car insurance
Keep in mind: Not all drivers in these categories will find the best rates with Liberty Mutual. Likewise, even drivers who hate the idea of digital self-service can find quality plans and low premiums with Liberty Mutual.
Liberty Mutual offers coverage in all 50 states and the District of Columbia, and it offers claims services 24/7. The company offers products ranging from standard auto, renters, and homeowners insurance to pet and life insurance.
Click the buttons below to see how we break down Liberty Mutual’s insurance services.
Is Liberty Mutual car insurance expensive?
Most Liberty Mutual customers agreed that they paid fair rates based on their driving record. Some drivers do complain about the cost of their auto insurance policies, but the majority speak positively about their rates.
According to our survey data, 24% of respondents directly mention cost in their reviews. Of those respondents, 48% express positive sentiments, while only 31% express negativity.
Liberty Mutual is ranked 16th for cost satisfaction when compared to similarly sized companies. However, the company scores 3.1/5 for cost, which is lower than the 3.8/5 national average. Here’s how Liberty Mutual compares to other companies in our study:
| Libertymutual Policy Cost Rating | Ranking | Industry Average |
|---|---|---|
3.1 | 16 | 3.8 |
Keep in mind: Car insurance premiums are different for everyone. Like all insurance providers, Liberty Mutual
calculates insurance rates
based on: Even though each state allows insurers to base insurance costs on different factors, there are some general trends.
Liberty Mutual cost reviews
Take a look at how real Jerry users rated Liberty Mutual based on cost below:
Will Liberty Mutual raise your rates?
Like all auto insurance companies, Liberty Mutual can only raise your auto insurance rates upon
policy renewal
. Common reasons your Liberty Mutual rates might increase include:
- Inflation
- New accidents
- New violations or tickets
- New address
- A new vehicle on the policy
- New driver on the policy
According to our survey, 56% of policyholders chose to renew their plans.
Remember: It’s important to understand that insurance companies frequently make changes to their price policies. It’s normal to experience price fluctuation, even if your driver profile doesn’t change.
Does Liberty Mutual resolve claims fast?
Liberty Mutual’s website guarantees that a claims specialist will reach out to you within one to two days of filing a
car insurance claim
. However, the site makes no mention of how fast the company will resolve the claim.Liberty Mutual’s claims adjusters will investigate your claim, review the injuries and damages, and determine liability and coverage details before offering a settlement or denial.
Of the Liberty Mutual policyholders who responded to our survey, 56% report having filed a claim. Those customers give the company 3.3/5 stars for its claims process.
Compared to the national average of 3.5/5, Liberty Mutual ranks slightly lower than many insurers when it comes to claims satisfaction. When compared to similar-sized companies, Jerry ranked Liberty Mutual 15th for its claims process.
| Libertymutual Claims Resolution Rating | Ranking | Industry Average |
|---|---|---|
3.3 | 15 | 3.5 |
Liberty Mutual claims reviews
See how real Jerry users rated Liberty Mutual based on claims handling below:
Does Liberty Mutual have good customer service?
According to our survey data, Liberty Mutual has mediocre customer service.
Our survey respondents gave the company 3.7/5 stars for its customer service. Compared to the national average of 3.9/5, Liberty Mutual falls a bit short.
Five-star reviews frequently mention customer service as one of Liberty Mutual’s strengths. Likewise, many customers cite poor customer service as one of the reasons for their dissatisfaction with the company.
Here’s how some of our real respondents rated Liberty Mutual’s customer service:
| Libertymutual Customer Service Rating | Ranking | Industry Average |
|---|---|---|
3.7 | 17 | 4 |
Liberty Mutual claims reviews
See how real Jerry users rated Liberty Mutual based on claims handling below:
Liberty Mutual car insurance discounts
Liberty Mutual offers a wide variety of discounts.
Car insurance discounts
allow drivers to save money by reducing their premiums based on factors like safety features, driving habits, mileage, and policy bundling. You may also be able to get discounts for installing safe driving devices in your car or enrolling in a usage-based policy. 11% of our survey respondents cite discounts as a reason for their positive reviews.
Some of the discounts Liberty Mutual offers include:
- Homeowner discount: Policyholders who own a home may be eligible for lower car insurance rates.
- Military discount: Active or retired members of the U.S. armed forces are eligible for discounts.
- Early shopper discount: Provides a lower rate when you get a quote with Liberty Mutual before your current policy expires.
- Student-away-at-school discount: If your child drives your car only occasionally because they are away at school, you may be eligible for a discount on insurance.
- Claims-free discount: Safe driving can get you a discount. If you have a claims-free driving history, you may be eligible for reduced premiums.
- Violation-free discount: Drivers without violations in their driving records may see lower premiums.
- RightTrack: Participating in Liberty Mutual’s RightTrack program entitles you to a discount on car insurance.
- Multi-policy discount: If you have more than one policy with Liberty Mutual, you may be eligible for a discounted rate.
- Multi-car discount: Provides lower rates to policyholders that insure multiple cars with Liberty Mutual.
- Preferred payment discount: Enrolling in an automatic payment plan may qualify you for a discount.
- Online purchase discount: If you purchase your insurance policy online, you can receive a discounted rate.
- Paperless policy discount: Provides a discount for enrolling in a paperless policy.
Discount options change over time, and Liberty Mutual may offer new or different discounts in your area. You can get the most up-to-date information regarding discounts by visiting the Liberty Mutual website or contacting an insurance agent.
Liberty Mutual coverage options
Car insurance requirements vary depending on the state and driver profile. Some
common types of car insurance
that Liberty Mutual offers include: - Comprehensive coverage: Comprehensive insurance protects your car if it’s damaged by something other than a collision, like vandalism, theft, or extreme weather.
- Liability insurance: Liability insurance is required by most states and covers damages you cause to others’ personal property in an at-fault accident. It typically includesbodily injury liabilityandproperty damage liability coverage.
- Medical payments (MedPay): MedPay covers medical bills for you and your passengers following an accident.
- Underinsured/uninsured motorist coverage: This insurance covers medical bills and car repairs if you’re in an accident with a driver who doesn’t have enough insurance coverage.
- Personal injury protection (PIP): PIP insurance is required by some states and covers medical bills and lost wages for you and your passengers following a crash.
- GAP insurance: This plan covers the difference between your car’sactual cash valueand what you owe on a lease or loan following a total loss.
- Rental car reimbursement: This coverage can pay for a rental car if your vehicle is in the shop following an accident.
- Roadside assistance: Liberty Mutual offers 24/7 roadside assistance. Among the services included in this coverage are towing, jump starts, emergency fuel delivery, and lock-out services.
- Better car replacement: This coverage will give you the money to buy a car that’s a model year newer if yours is totaled.
- Accident forgiveness: This add-on coverage helps prevent surcharges after your first at-fault accident.
- New car replacement: This coverage provides you with the money for a brand-new car if yours is stolen or totaled in your first year of ownership.
- Original parts replacement: This optional coverage pays for high-quality OEM replacement parts after an accident.
- Lifetime repair guarantee: This coverage promises to help you find an approved repair shop after an accident for as long as you own your car.
Liberty Mutual’s additional tools and services
In addition to its wide range of insurance options, Liberty Mutual offers several additional tools and services to enhance your experience. Here are some of the additional tools and services that Liberty Mutual has offered customers:
- Liberty Mutual deductible fund: This program allows you to lower your deductible over time by paying a $30 fee each year.
- Mobile app: Liberty Mutual’s mobile app allows you to view ID cards, pay and manage bills, and track and submit claims from your favorite iOS or Android device.
- RightTrack: RightTrack is Liberty Mutual’s safe driving program that tracks driving habits and rewards safe drivers with discounts of up to 30%. Enrolling in this program qualifies you for a discount on your insurance premium.
FAQs
Is Liberty Mutual good at paying claims?
Our survey respondents gave Liberty Mutual 3.3/5 stars for its claims process. Compared to the national average of 3.5/5, Liberty Mutual’s claims satisfaction ratings are low.
This indicates that many of Liberty Mutual’s customers are not happy with the company’s claims process.
Is GEICO better than Liberty Mutual?
According to our survey, Liberty Mutual has an overall customer satisfaction rating of 3.6/5 stars, while GEICO has an overall rating of 3.9/5 stars. While both companies fall below the national average of 4/5 stars, GEICO outperforms Liberty Mutual slightly.
Customer reviews are subjective, but this data indicates to us that GEICO has slightly more satisfied customers than Liberty Mutual.
Is Liberty Mutual an A-rated company?
Liberty Mutual has an A rating for financial strength from AM Best. The company’s auto insurance scored a 1.14 with the National Association of Insurance Commissioners (NAIC).
What are Liberty Mutual’s customer service hours?
Liberty Mutual’s customer support team is available from 8 a.m. to 8 p.m. ET, Monday through Friday. You can access your online account 24/7.
How do you get a quote from Liberty Mutual?
You can get a Liberty Mutual insurance quote online, through the mobile app, and by speaking with an agent in person or over the phone.
Read all Liberty Mutual car insurance reviews
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record. For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet Our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.